If they were insured with Cal Safe they are both dramatically underinsured and a single neighborhood would deplete the programs' reserves. 

The 25% has to be your funds.Now, there are non conventional options that would be a bit more flexible but even most of those programs will require at least 20% down with no second mortgages filed on the property. 

Find one with flexible pricing options, no long term monthly commitments and affiliate referral program.

It is our goal to deliver all of this in the RTR Academy along with a plethora of benefits to students to include:-VIP access to RTR inventory before the general public-ability to earn back course fees through investing & our attractive referral program-tax, legal & investing advice from our team of attorney, CPAs & investment advisors-no cost SDIRA or solo 401(k) account to invest through retirement vehicles -lifetime membership with no ongoing or additional fees, etc.!

If you are worried about transition from Canada to US you can use a DSCR loan program. 

The best way to find your boots on the ground is to use vetted Agents from BiggerPockets with our Featured Agent Program, or Lenders with our Featured Lender Program, or Property Managers with our Featured PM Program, or a Tax Pro with the Featured Tax Professional Program - all from BiggerPockets to help everyone find trusted investor friendly professionals.  

If you own 25%+ of the business paying your w2, youre still self-employed.There are bank statement/1099 loan program as well, which is what you have been offered.

Personal criteria, building criteria and area criteria will all affect the way a deal appears on paper. two 100 unit apartment complexes, one in an A area and one in a C+ area will have very different financial breakdowns and interest groups.Want to know if a deal is good (for you)?

We offer a ton of different fix-and-flip programs including putting 10% down on the purchase price and funding 100% of the rehab.

This criteria is for 1-4 and 5-8 unit programs.